Where should $5,000 go for 90 days?
Right now the champion is U.S. Bank Bank Smartly Checking : you keep about +$438 on $5,000 over 90 days. Ranked by math only, checked 2026-10-24.
| Rank | Fighter | You keep | How it adds up | What it takes | Status |
|---|---|---|---|---|---|
| ★★★ | U.S. Bank Bank Smartly Checking | +$438 on $5,000 over 90 days | $450 bonus − $12 est. fees equals ~35.53% annualized | $8,000 in direct deposits for $450 · Direct deposit · soft pull | Ends 2026-11-10 |
| ▲▲ | SoFi SoFi Checking and Savings | +$400 on $5,000 over 90 days | $400 bonus equals ~32.44% annualized | $5,000 in direct deposits for $400 · Direct deposit · soft pull | Ends 2026-12-31 |
| ▲ | PNC Virtual Wallet with Performance Select | +$400 on $5,000 over 90 days | $400 bonus equals ~32.44% annualized | $5,000 in direct deposits · Direct deposit · soft pull | Ends 2027-01-07 |
| #4 | Wells Fargo Everyday Checking | +$325 on $5,000 over 90 days | $325 bonus equals ~26.36% annualized | $1,000 in direct deposits · Direct deposit · soft pull | Ends 2027-01-13 |
| #5 | Citi Citibank Regular Checking | +$325 on $5,000 over 90 days | $325 bonus equals ~26.36% annualized | $3,000 in Enhanced Direct Deposits · Direct deposit | Ends in 2 days |
| #6 | Chase Chase Total Checking | +$300 on $5,000 over 90 days | $300 bonus equals ~24.33% annualized | Any direct deposit · Direct deposit · soft pull | Ends 2027-01-27 |
| #7 | PNC Virtual Wallet | +$100 on $5,000 over 90 days | $100 bonus equals ~8.11% annualized | $500 in direct deposits · Direct deposit · soft pull | Ends 2027-01-07 |
| #8 | E*TRADE (Morgan Stanley Private Bank) Premium Savings (intro 6 mo) | +$52 on $5,000 over 90 days | 4.25% APY → $52 interest | Park it, withdraw anytime | Rate |
| #9 | Live Oak Bank Personal High-Yield Savings | +$49 on $5,000 over 90 days | 4% APY → $49 interest | Park it, withdraw anytime | Rate |
| #10 | Barclays Tiered Savings (top tier) | +$45 on $5,000 over 90 days | 3.65% APY → $45 interest | Park it, withdraw anytime | Rate |
| #11 | Synchrony Bank High Yield Savings | +$44 on $5,000 over 90 days | 3.55% APY → $44 interest | Park it, withdraw anytime | Rate |
| #12 | Wealthfront Cash Account (base) | +$44 on $5,000 over 90 days | 3.55% APY → $44 interest | Park it, withdraw anytime | Rate |
| #13 | Marcus by Goldman Sachs Online Savings | +$43 on $5,000 over 90 days | 3.5% APY → $43 interest | Park it, withdraw anytime | Rate |
| #14 | Capital One 360 Performance Savings | +$39 on $5,000 over 90 days | 3.2% APY → $39 interest | Park it, withdraw anytime | Rate |
| #15 | Ally Bank Savings Account | +$39 on $5,000 over 90 days | 3.2% APY → $39 interest | Park it, withdraw anytime | Rate |
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